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Quinshaw?
Has anyone had any dealings with Quinshaw investments? I was looking for Zenith investments, after reading some of Martyn's advice and it seems that they are also trading as Quinshaw. They seem legit but I's like to hear what other people might know about them.
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Best place to buy shares over 5 year period
Hey all, Apologies if this I have put this thread in the wrong place. I am looking to start buying shares on a monthly basis @£100 per month over a 5 year period. Rather than just dumping it into an ISA I want a bit of fun in the process. Any tips on the best platform would be great. I've read a few reviews on the main…
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Premium Bonds vs Trading Account
I gave up on savings accounts and instead maxed out on Premium Bonds. Meanwhile, I've already maxed out my ISA and personal allowances and my only real tax free option is to pump a load into my pension which I don't really feel like doing so this year it's gone up by 5k thanks to the Covid bounce. Therefore, would it be…
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Pound Cost Ravaging question
Pound Cost Ravaging is where someone takes out more income than is being generated by investments so part of that investment has to be sold to maintain the income so compounding the problem. I have two principle investments. A Fidelity Multi Asset Income Fund which is a fund of many funds for diversity. It has a daily unit…
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Capital Gains
Between myself and Mrs Frog, we have a bunch of shares/funds bought somewhere between 20 and 35 years ago. Thinking of selling them. No idea when they were bought, no idea of cost. I can guess at the year, but that's the best I can do. How does that work out with CGT and the taxman? What site would be the best to work out…
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Permanently reduce the Lifetime ISA - withdrawal penalty?
Spotted this current petition thats gaining traction https://petition.parliament.uk/petitions/570826 Personally im for it, as its good to not be penalised for taking your own money back if you really have too Whats everyones thoughts on this?
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Where to get started
Hi Folks Looking for some advice from those more knowledgeable than myself,. I've always been careful with my money but probably not particularly good with it, if that makes sense. And want to start making my money work for me. Position is i currently have £50k cash in the bank (split between 20k in santander 123 current…
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Should I release equity from buy to let?
Myself and my OH own a buy to let with circa £140k equity in it. The tenant pays us £1,100 a month and the mortgage repayment is around £750. Our mortgage is due up in the next few months and we are considering whether it makes sense to pull money from it, or change to interest only mortgage and invest the additional money…
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House sale income? Ideas of what to do with it please?
We are selling our family home and downsizing. We are going to end up with approx £170000 left once we have cleared our outstanding mortgage, giving our 3 daughters a £10k gift each, paid off the car loan, etc. My hubby's is 58 and his health is not good, so I don't think he will ever work again. We have this year started…
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S&S ISA- Any Benefits/Negatives to Starting 2 Separate Ones?
Hello Im looking to invest £10k and struggling to decide which provider suits me best. I wondered if splitting the money and starting 2 separate ones on different platforms was a good idea? Obviously one before and one after April. Im 55, self employed and dont earn enough to pay tax. I have no debts, own my home. Ive…
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Muitl platform vs single
With all this recent chatter on platforms I wanted to get people's take on one platform vs multiple... I was under the impression that holding a substantial ISA, GIA and Sipp on one platform was a risk (say combined value is in the seven figure range). This HL thread by BananaRepublic got me thinking, and one of the…
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BTL or Home Improvement - What to do
Hello, RE: I'm looking for advice on what to do with some money we have saved. Should we get a BTL or invest in extending our house and adding value. I invested in a share save scheme that my company run for employees when I first started my job and I now have quite a large initial share pot of around £17,000 (at the…
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Sale of Ratesetter portfolio and loss of Provision Fund at the expense of investors
Investors in Ratesetter have had their interest income halved for the last year to maintain the Provision Fund. Now that the loan portfolio has been sold to their parent company, Metro Bank, investors are going to be repaid their capital whether they like it or not. It now appears that the whole of the money in the…
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Premium Bonds
My Mum has recently died from Covid & had premium bonds. Been informed to claim the money back we have to have a letter of probate costing from £215 -£415 even though she had a will & my sister & I had Power of Attorney. Is this right?
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Executor of an estate where property portfolio is suspended - what options?
Hi, I'm executor for my aunt's estate. About 25K of it is in property portfolios that are currently suspended, so I can't sell. The estate can pay all charitable bequests etc without this sum, so this 25K will ultimately be shared between the residuary beneficiaries. My aunt died in Jan 2020 and we got probate in Dec 2020…
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Carnival PLC shares
Several years ago I inherited some Carnival plc shares. periodically I used to receive a dividend cheque through the post but when I tried to pay them in to the bank it was more expensive to deposit the cheque in dollars than their value, so I've just put them to one side and forgot about them. However, having seen the…
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Fund platform charges
I use AJ Bell to manage SIPP and ISA funds. I’ve just noticed that for some funds Hargreaves Lansdown offer rebates on the yearly management fees e.g .15%. The web sites I know that compare platforms don’t mention this. Is this unique to HL? Looks like I might have to reassess the cost to use AJ Bell, HL etc. And yes I do…
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Best place to save
Which bank/building society is best for saving up to £500 pcm
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Trust options for minors
Hello everyone, My Mum is a having a deed of variation drawn up to divert funds she has received to those of an unsigned will of somebody, part of this is giving money to grandchildren, some of whom are under 18. So, thus involves the solicitor setting up three trusts, however, I want go know the options we have in setting…
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Three year fixed 1.05 - Oxbury Bank
Not one for me and certainly not recommending but heres the info I've just received. Looks like it would be close to the top of any non Sharia table. https://www.oxbury.com/product-summary-personal-3-year-bond-bap001